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50+ Years
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Your Trusted Financial Partner in Portsmouth, VA
Since 1928, Northern Star Credit Union has been dedicated to serving the Hampton Roads community with personalized financial solutions. Our mission of 'People Helping People' has guided us through decades of growth, from our origins as Navy Yard Credit Union to our current role as a trusted local financial partner. We offer a comprehensive range of services including personal and home loans, savings accounts, and innovative digital banking tools designed to meet modern financial needs. Our community-focused approach ensures members receive locally-driven decision-making and personalized support at every life stage. With over 90 years of experience, we combine deep institutional knowledge with cutting-edge technology to deliver reliable financial services through both physical branches and 24/7 mobile access. Our commitment to community development is demonstrated through initiatives like the Roger E. Early Memorial Scholarship and partnerships with local organizations such as the H.E.R.

Shelter. We maintain transparency in all operations while continuously innovating to provide convenient solutions like contactless payments and online car buying services. Our experienced team specializes in helping members manage financial challenges through personalized loan options and budgeting resources. This combination of tradition and innovation positions us as a unique alternative to traditional banks, with member-owned advantages including competitive rates on auto loans (as low as 6.25%) and personal loans (as low as 10.99%). Our longevity and local expertise make us a trusted partner for navigating financial milestones, from college planning to home ownership.
Services
Checking Accounts Savings Accounts Auto Loans Personal Loans Credit Cards Student Loan Refinancing Mobile Banking Online Car Buying College Planning Financial Education
Details
  • Year established: 1928
Highlights and features
  • We offer 24/7 mobile banking access with contactless payment options
  • Our community roots date back to 1928 with local decision-making
  • Competitive loan rates starting at 6.25% for auto loans
  • We provide personalized financial education resources
  • Member-owned cooperative structure ensures customer-first priorities
Services
Auto Loans
We provide competitive auto loans with rates starting at 6.25% APR. Our financing options cover both new and used vehicles, with flexible terms to match your budget. Local decision-making ensures quick approvals for Hampton Roads residents seeking reliable transportation solutions.
Mobile Banking
Our 24/7 mobile app enables account management from anywhere. Features include contactless payments through digital wallet integration, real-time transaction tracking, and secure bill payment options. The app supports budgeting tools to help members manage finances on-the-go.
Personal Loans
Flexible personal loans start at 10.99% APR for various needs like home repairs or debt consolidation. We offer quick approval processes with funds available within days. Our member advisors help determine optimal loan amounts and repayment terms.
College Planning
Specialized financial planning services help families prepare for education expenses. We offer dedicated savings accounts and loan options with competitive rates. Our advisors provide guidance on financial aid optimization and long-term education funding strategies.
Online Car Buying
Free online car buying service connects members with local dealerships across the 757 area. The platform streamlines vehicle comparisons, pricing negotiations, and financing arrangements. This service saves time while ensuring competitive pricing on new and used vehicles.
Questions
What services does Northern Star Credit Union offer?
We provide checking and savings accounts, auto/personal loans, credit cards, mobile banking, online car buying services, and college financial planning resources.
How can I access my account outside business hours?
Our 24/7 mobile app allows account access anytime, with features like digital wallet payments and online bill management.
What loan rates do you currently offer?
Auto loans start at 6.25% APR, personal loans at 10.99% APR, with credit card rates also starting at 10.99% APR.
Are you part of the local community?
We've served Hampton Roads since 1928, supporting local initiatives like the H.E.R. Shelter partnership and annual scholarship programs.
How do I report a lost credit/debit card?
Call our dedicated emergency line at 1-833-933-1681 for immediate card replacement and fraud protection assistance.
Can I apply for loans online?
Yes, our website offers complete online loan applications with quick approval decisions for auto, personal, and refinancing options.